1

SELECTING A LENDER

I already have working relationships with several different lenders.  Depending upon your credit issues and loan needs together we can select an appropriate lender.

§         You get better service.

§         The lender is matched to your needs.

§         Avoids applying at several different lenders.

2

LENDER PRE-APPROVAL

The lender will tell us for how much home you can qualify.  The lender will tell us what kind of loan programs might work for you.

§         Puts money in your pocket which can be used when ready to make an offer.

§         Helps you negotiate from a position of strength.

§         You can decide on the best financing terms with no pressure.

3

UNDERSTANDING YOUR NEEDS

I need to understand your current situation, what kind of a home you need, when you need it, where you need it, and what your feature priorities are.

§         You are in control of homes that will be considered.

§         Better information at this step will produce easier selection at the next step.

4

SELECTING YOUR HOME

There are 1,000’s of homes available for sale.  The task here is to reduce this down to a manageable amount.  We do this together by applying the needs identified in step #3.

§         You are involved in the selection process.

§         You will have access to the homes that other agents have listed.

5

SHOWING YOUR HOME

I will make appointments with you to see the top selected homes.  Together we will evaluate each home as we see them.

§         You will be able to make a decision without any pressure.

§         You can view the properties at your leisure.

6

MAKING AN OFFER

I will do a market analysis on your final selection and help you arrive at your price and terms.  I am trained to prepare all commission-approved legal documents needed to purchase your home.

§         You get the best price for your home.

§         You have legal expertise at no cost to you.

7

NOGOTIATING

In most cases, sellers will make a counter-offer.  This offer is always presented to you in a timely manner.  Additional negotiating may be needed to finalize the purchase agreement.

§         You are not alone when your offer is not accepted.

§         You may be able to get what you want without giving up too much.

8

HOME INSPECTION

Soon after your home is under contract the home should be inspected by a qualified home inspector.  The seller can be asked to replace or repair damaged items.

§         Some damaged items can be replaced or repaired by the seller.

§         You will have fewer unexpected major repairs at a later date.

§         You will have less costly repairs.

§         If unacceptable the contract can be cancelled.

9

TITLE WORK

You and I will review the title documents to determine if there are any problems with the title to the property.

§         You get clear title to the property.

10

LOAN COMMITMENT

The lender commits to giving you the loan if certain conditions are met.

§         If you cannot get the loan the contract can be cancelled.

11

WALK-THROUGH

The home is briefly inspected just before closing to ensure that seller has left the property in a condition as per the contract and no damage has occurred.

§         You receive the property in the condition that you expect.

§         The seller may be asked to repair any damage caused since the  home inspection due to wear and tear or the seller moving.

12

FINAL SETTLEMENT DOCUMENTS

I will review the final settlement documents with you.  Any issues will be worked out with you, the lender, the title company, or the listing agent before closing day.

§         Issues are cleared up before closing day.

§         You will have a chance to get all questions answered.

13

CLOSING DAY

I will attend the day of closing with you.  This is where you sign all the loan and real estate closing papers.  You also get the keys to your new home.

§         You can ask questions as needed.

§         You get possession of your home.